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RBS (One Account) Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers. COMPLETIONmonitor is a unique risk management tool.

This software is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on RBS (One Account)’s changes. Even though using the tool is not a condition for being on the RBS (One Account) panel, demonstrating you can remain up to date with RBS (One Account)’s Handbook requirements is a helpful support to your panel application and, just as importantly, protect your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by RBS (One Account)

Banks and building societies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 929 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.9 days. In total, 67% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,
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FAQs : The RBS (One Account) Conveyancing Panel from members of the public

My husband and I are hoping to buy a 2 bedroom apartment in Newcastle with a mortgage from RBS (One Account). We would like to retain our solicitor but RBS (One Account) says she’s not on their "panel". We have to appoint one of the RBS (One Account) panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that RBS (One Account) use our lawyer?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the RBS (One Account) conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for RBS (One Account)
Our son-in-law is purchasing a newly built flat with a mortgage from RBS (One Account). His solicitor has said that there is a delay in completing the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the RBS (One Account) conveyancing panel as a standard part of the process, and to the surveyor when asked.

The Developer will be required to start the process by downloading the form and completing it.

The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the RBS (One Account) conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

Whilst your website is a good idea there are many lawyers listed near Hackney on the RBS (One Account) conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the RBS (One Account) approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
I am buying a garden flat and getting a mortgage with RBS (One Account). Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the RBS (One Account) conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the RBS (One Account) conveyancing panel in your location.
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender RBS (One Account) be concerned
As your lender is RBS (One Account) your lawyer must to check the RBS (One Account) conveyancing instructions contained in the Part of CML Handbook for RBS (One Account) . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to RBS (One Account) where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
What are the common reasons for a lender such as RBS (One Account) to withdraw a mortgage offer?
Banks and Building Societies such as RBS (One Account) can revoke their mortgage offer although this is unusual. should RBS (One Account) withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are 5 examples:
  • If the borrower informs RBS (One Account) of a change in security address
  • Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that RBS (One Account) conveyancing panel solicitors would be obliged to notify RBS (One Account) of a change in the price of the property.
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Following advice from the valuer on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
  • If the solicitor on the RBS (One Account) conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with RBS (One Account) ‘s instructions
Can I register a complaint to RBS (One Account) about the lawyers being on the RBS (One Account) conveyancing panel?
There is little point in complaining directly to RBS (One Account). Every solicitor firm and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is addressed by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.